Personal Auto Policy

1. The personal auto policy defines family member as a person related to the named insured by blood, marriage, or adoption who:

1. Is listed in the declarations
2. Is a resident of the named insured's household
3. Is under age 25
4. Has a valid driver's license

2. Which of the following vehicles is eligible to be insured as a covered auto under the personal auto policy?

1. A private passenger auto owned by an individual
2. A dump truck used in a contracting business
3. A motorcycle
4. A taxicab used to carry paying passengers for a fee

3. Under the personal auto policy, what is the policy territory?

1. The United States only
2. The United States and Mexico
3. Anywhere in the world
4. The United States, its territories or possessions, Puerto Rico, and Canada

4. Liability coverage under the personal auto policy pays damages for which the insured is legally responsible because of:

1. Bodily injury or property damage arising out of an auto accident
2. Damage to the insured's own covered auto
3. Medical expenses of the insured regardless of fault
4. Theft of the insured's covered auto

5. A personal auto policy shows liability limits of 50/100/25. What is the most the policy will pay for bodily injury to one person in one accident?

1. $25,000
2. $50,000
3. $100,000
4. $175,000

6. Under the personal auto policy supplementary payments, the insurer will pay up to what amount for a bail bond required because of a covered accident?

1. $100
2. $500
3. $1,000
4. $250

7. An insured takes a day off from work at the insurer's request to attend a trial. The personal auto policy supplementary payments will reimburse lost earnings up to:

1. $100 per day
2. $200 per day
3. $250 per day
4. $500 per day

8. Which of the following is excluded under liability coverage of the personal auto policy?

1. Damage to a neighbor's fence caused by the insured's car
2. Injury to a pedestrian struck by the insured's car
3. Damage to property owned or being transported by the insured
4. Injury to a passenger in another car

9. An insured is logged into a ridesharing (transportation network) app as a driver, waiting for a ride request, and causes an accident. Under the 2018 personal auto policy, liability coverage for this accident is generally:

1. Covered in full
2. Covered only for property damage
3. Covered only up to state minimum limits
4. Excluded, because the vehicle is considered to be used as a public or livery conveyance

10. An insured is involved in an accident in a state that requires higher liability limits than those shown in the insured's personal auto policy. Under the out of state coverage provision, the policy will:

1. Provide the higher limits required by that state
2. Pay only the limits shown in the declarations
3. Deny coverage until the insured buys a new policy
4. Pay only state minimum limits of the insured's home state

11. When there is other applicable liability insurance, how does the personal auto policy pay for an accident involving a vehicle the insured does not own?

1. It pays first, before any other insurance
2. It pays nothing
3. It is excess over any other collectible insurance
4. It splits the loss equally with the vehicle owner's insurer

12. Under the personal auto policy, how long does a named insured have to ask for coverage on an additional (not replacement) newly acquired auto for the liability coverage to apply from the date of purchase?

1. 4 days
2. 10 days
3. 14 days
4. 30 days

13. Medical payments coverage under the personal auto policy pays reasonable expenses for necessary medical and funeral services incurred within how long after the accident?

1. 1 year
2. 2 years
3. 3 years
4. 5 years

14. The named insured is struck by a car while walking across a street. Which part of the personal auto policy pays the named insured's medical bills regardless of fault?

1. Part B, Medical Payments Coverage
2. Part A, Liability Coverage
3. Part D, Coverage for Damage to Your Auto
4. Part E, Duties After an Accident or Loss

15. Which of the following persons is excluded from medical payments coverage under the personal auto policy?

1. A family member injured as a passenger in the covered auto
2. A friend riding in the insured's covered auto
3. A person injured while occupying the covered auto that is being used as a public or livery conveyance
4. The named insured hit by a car as a pedestrian

16. After an accident, which duty does the personal auto policy require of a person seeking coverage?

1. Settle directly with the other driver
2. Promptly notify the insurer of how, when, and where the accident happened
3. Have the car repaired before reporting
4. File a police report within 24 hours in every case

17. Under the personal auto policy, after a new policy has been in effect for 60 days, the insurer may cancel it only for which of the following reasons?

1. The insured filed one claim
2. The insured moved to a new address in the same state
3. The insured bought a second car
4. Nonpayment of premium, suspension or revocation of a driver's license, or material misrepresentation

18. Under the personal auto policy, if the insurer decides not to renew, it must mail notice to the named insured at least how many days before the end of the policy period?

1. 10 days
2. 20 days
3. 30 days
4. 45 days

19. An insured borrows a friend's car with permission and causes an accident. The friend's auto policy has liability coverage, and so does the insured's own personal auto policy. Which policy pays first?

1. The friend's policy, because coverage follows the car
2. The insured's policy, because coverage follows the driver
3. Both policies pay equally
4. Neither policy, because the car was borrowed